Montana Mortgage Lenders
Find trusted local and national lenders serving Montana homebuyers. Compare loan types, specialties, and contact them directly.
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Featured Lenders
Montana Board of Housing (MBOH)
Official Montana state program offering below-market interest rates and down payment assistance for qualifying first-time homebuyers. Works through a network of approved local lenders across Montana.
NeighborWorks Montana
Nonprofit lender focused on affordable homeownership for Montana families. Offers down payment assistance, homebuyer education, and first-time buyer loan programs statewide.
Opportunity Bank of Montana
Montana-based community bank with branches across the state. Offers a full range of mortgage products — conventional, FHA, VA, and USDA — with local loan officers who know the market.
All Lenders
Stockman Bank
Montana-owned community bank with 40+ locations across the state. Offers competitive home loans with deep local roots and personalized service from lenders who live here.
Glacier Bank
Based in Kalispell, Glacier Bank is a premier Montana community bank offering home loans with experienced local real estate lenders throughout the Flathead Valley and beyond.
Bank of Bozeman
Locally owned and operated community bank in Bozeman. Known for personalized service and competitive home loan rates, with mortgage officers focused on the Bozeman and Big Sky markets.
Intermountain Bank (IBY)
Local Montana bank serving Great Falls, Havre, and the Hi-Line region. Offers home loans and HELOCs with personalized service from lenders who know this part of Montana.
Rocky Mountain Credit Union
Montana's first credit union, based in Butte. Member-owned structure means savings are passed back to borrowers through competitive mortgage rates and lower fees.
Black Diamond Mortgage
Based in Whitefish and deeply rooted in the Flathead Valley. Works with a broad network of prime and private lenders to offer flexible, customized mortgage solutions across Montana.
Mountain Lake Mortgage
Premier mortgage lending and home financing service in Kalispell. Decades of local expertise in the Flathead Valley market, offering competitive rates on a wide range of loan types.
Mann Mortgage
Montana-born mortgage company with offices in cities across the state. Known for fast closings and a wide variety of loan programs, serving Montana families for decades.
Capital Home Mortgage Montana
Full-service Montana mortgage company offering competitive rates across all major loan types. Specializes in VA, FHA, USDA, and manufactured home loans for Montana buyers.
Wood Team Home Mortgage
Top-rated local mortgage experts in Red Lodge, Bozeman, and Billings. Trusted by buyers and real estate professionals throughout south-central Montana.
Guild Mortgage – Montana
One of the top 10 independent mortgage lenders in the nation with local Montana branches in Bozeman, Billings, and Missoula. Known for community focus and wide loan program selection.
Fairway Independent Mortgage
National top-10 mortgage lender with multiple Montana branches. Offers a comprehensive suite of loan products with local loan officers in Billings, Bozeman, Missoula, and Great Falls.
CrossCountry Mortgage – Missoula
Local Missoula branch of one of the nation's top mortgage lenders. Fast closings, wide loan variety, and local expertise — rated 4.97 out of 5 by borrowers.
New American Funding – Billings
Billings branch of a top-rated national mortgage lender known for innovative loan programs, fast approvals, and outstanding customer service for Montana buyers.
Evergreen Home Loans – Montana
Regional lender with multiple Montana offices in Helena, Billings, Bozeman, and Great Falls. Friendly, knowledgeable loan officers and competitive rates across all major programs.
OneTrust Home Loans – Montana
Montana branch led by Branch Manager Joe Post. Known for fast, transparent lending across all major loan programs with offices in Bozeman and serving Billings buyers.
Union Home Mortgage – Great Falls
Great Falls branch of Union Home Mortgage. Offers a wide variety of home loan options for buyers in the Great Falls area with local service and national resources.
Montana Home Loan Guide
Loan Types Available in Montana
Montana homebuyers can access a full range of mortgage products: conventional loans with as little as 3% down, FHA loans for first-time buyers, VA loans for veterans and active military, USDA rural development loans for qualifying Montana properties, and jumbo loans for high-value homes in Bozeman, Whitefish, and Big Sky. Many local lenders also offer construction loans for custom builds and agricultural loans for ranch purchases.
Montana Board of Housing Programs
The Montana Board of Housing (MBOH) offers below-market interest rates and down payment assistance programs for qualifying first-time homebuyers statewide. NeighborWorks Montana provides additional affordable housing resources. These programs are administered through approved local lenders across Billings, Missoula, Great Falls, Helena, Bozeman, and rural communities throughout all 56 Montana counties.